Start working as an insurance agent. Profession insurance agent. We train our employees

Insurance agent- a representative of an insurance company who sells policies to its clients. The profession is suitable for those who are interested in law and social studies (see choosing a profession based on interest in school subjects).

Features of the profession

No one is immune from illness and injury, theft, floods, etc. misfortunes. But you can reduce the damage from an incident by insuring your property, health and even life. You can insure anything - from a car to parts of your own body. For example, the famous dancer Rudolf Nureyev insured his legs, which he considered as a working tool. The famous taster Gennaro Pellizzia, working for the British coffee chain Costa Coffee, insured his sensitive tongue.

An insurance policy is a document that confirms that an agreement has been concluded between a citizen and an insurance company. In other words, if an insured event suddenly occurs, i.e. if the insured car is stolen, a flood washes away the insured house, or the taster's tongue becomes insensitive to tastes, the policyholder will receive monetary compensation.

An insurance agent can be on the staff of an insurance company or remain a freelance employee, receiving only a percentage of the amounts of concluded contracts. For a full-time employee, they usually consist of interest and a small salary. Thus, the agent's income depends on the number of policies sold, so he is actively searching for clients (policyholders). For example, he calls various companies, offering to insure property, employee health, etc.

The agent then meets with the future policyholder, and they discuss in detail the terms of future insurance. The agent clarifies what exactly the client expects from insurance, answers all questions that arise and, when the choice is made, draws up a contract (insurance policy).

Status insurance agent V different countries has its own characteristics. For example, in most European countries, each insurance agent works on behalf of a single insurance company. In the USA, an insurance agent is an independent entrepreneur who can be a representative of a group of companies. In Russia, an insurance agent can also represent several insurance companies, with each of which he has a contract. But he can work with one company.

If an insurance specialist represents the interests of the policyholder rather than the insurer, he is called an insurance broker. He, like an agent, carries out insurance, but approaches the issue from a different angle. His task is to select from the offers of many insurers the insurance option that best meets the client’s needs. For this, he receives a commission from the client, and not from the insurance company.

An insurance broker can be either individual entrepreneur, and a legal entity with a staff of employees.

Insurance agent training

Russian Insurance companies Most often, agents are trained independently. To do this, they organize special “schools” and courses where future employees are taught how to maintain accounting records and explain the rules and conditions different types insurance. Every time I develop the new kind insurance, the insurance company is conducting new training seminars. Companies prefer to hire people with higher education. They are especially willing to accept certified psychologists, sociologists, teachers, economists, and doctors who have experience working with people.

In this course, you can obtain the profession of an insurance agent remotely in 1-3 months. Diploma of professional retraining standard established by the state. Training in a completely distance learning format. Largest educational institution additional prof. education in Russia.

Workplace

An insurance agent works for insurance companies or works freelance with them.

An insurance broker works as an independent entrepreneur or for a company that represents the interests of policyholders.

Salary

Salary as of May 28, 2019

Russia 10000—60000 ₽

Moscow 45000—120000 ₽

Important qualities

The profession of an insurance agent requires such qualities as honesty, balance, responsibility, sociability, goodwill, good memory, broad outlook and the ability to constantly expand one’s professional knowledge.

Knowledge and skills

An insurance agent must have a good knowledge of insurance legislation, the types and conditions of insurance provided by his insurance company, and be able to draw up insurance documents.

Nowadays, insurance has long become the norm of life. People often turn to such specialists to receive some protection from the consequences of possible unforeseen life situations. What does the assistance of such organizations look like in practice and what are the responsibilities of an insurance agent?

Essence of the question

Every day people face situations that, if unfavorable, can cause them significant harm. Even a simple trip to the store or a trip out of town can end in disaster. Life gives no guarantees. But the insurance company can partially compensate the person for the inconvenience that he will have to experience from the negative consequences. This is done by specially trained workers, who are usually called “agents.” They will help you find solutions to problems that arise. Who is he and what are the responsibilities of an insurance agent? First, we must say that this specialist is an employee of a specific company. A lot of them have recently appeared all over the country. Each offers its own conditions, and it is the responsibility of the insurance agent to convey them to citizens in an accessible form.

This work is not as simple as it might seem at first glance. A specialist has to communicate with hundreds of people every day. Direct contact is especially important, because this is the only way to solve something. The responsibilities of an insurance agent, in essence, are to clearly explain all issues of interest to the client and, if possible, interest him in future cooperation.

Follow instructions

Insurance companies are very careful in selecting their employees. After all, such work requires a person who not only knows how to talk, but actually has the ability to persuade. A special instruction has been developed for him, which lists all the job responsibilities of an insurance agent. Among them, there are several main positions that most clearly describe the essence of the work.

The specialist must:

1. Search for potential clients from individuals and legal entities.
2. Explain to clients the need to conclude a transaction.
3. Advise visitors on questions of interest regarding insurance legislation.
4. Conclude directly personal and personal agreements property insurance, as well as carry out all operations related to this issue.
5. Ensure the safety of prepared documents.
6. Consider customer complaints as they arise controversial issues and take the measures necessary to solve them.

In addition to all this, any insurance agent must be in constant close contact with his colleagues.

Work in the main company in the country

Currently, in our country, the main organization involved in insurance is the Rosgosstrakh group of companies. It was created in 1992 and, in fact, is the successor to the previously existing State Insurance of the RSFSR. It consists of five largest divisions, the main of which is considered to be OJSC Rosgosstrakh. It has thousands of qualified employees working in 83 branches located throughout the country.

The responsibilities of the Rosgosstrakh insurance agent are no different from job functions employees of other companies. A professional approach to business and an active life position are also important for them. And it doesn’t matter at all how old the candidate is. This could be an eighteen-year-old young man or a woman of pre-retirement age. The main thing is that he clearly sees the goal in front of him and knows how to achieve it. This kind of work requires constant communication with people, so one of the main qualities of an agent is communication skills. In addition, the company representative must be honest with his client and be able to answer for every word spoken. Deception in such a matter is absolutely unacceptable.

What do we have to do?

Considering the work of an insurance specialist in general, we can conclude that he, in fact, is a kind of intermediate link standing between his company and a potential client. He is the one who shows a person the most profitable and safe way in life. Therefore, when choosing such a specialty, each candidate must understand what the responsibilities of an insurance agent are. This does not mean deceiving any citizen into shelling out a substantial sum for no apparent reason. This is not the problem at all. A good specialist must not only explain to the client all the details of the contract, but also prove that such an action will bring him specific benefits.

It is necessary to select conditions that are convenient for him and, for example, calculate possible compensation payments in accordance with current tariffs. After all, at the moment when the same insured event occurs, the client will again come to his agent. And then he will have to assess the damage according to all the rules. Experienced specialists usually manage to interest the visitor so much that he purchases several policies at once. Entrepreneurship in such work is only welcome.

You can start car insurance without any starting capital and your own investments. Many entrepreneurs first work as insurance brokers, collaborating with specialized companies, helping clients choose the right insurance product for a commission.

The difference between a broker and an agent is that the first specialist does not represent the interests of either party, he simply performs the functions assigned to him by the insurer or policyholder, receiving a certain monetary reward for this.

We have now spoken exclusively about individuals, since the insurance agent always acts as a private representative legal entity. This is one tiny unit of a huge front of insurance work, one might say, a persistent tin soldier infantryman.

An insurance broker performs slightly different functions - he should ideally represent the interests not of a specific insurer, but of the policyholder, considering all possible options for purchasing a policy and offering the most profitable and optimal ones.

To put it briefly and to the point, there is only one formal difference - the broker has the official status of a legal entity and must undergo licensing. Becoming an agent, of course, is much faster and easier, but a broker works with a large number of companies and clients and most often earns better accordingly.

In addition, the agent works “for someone else’s uncle,” although he does not have a direct superior telling him what to do, and the broker works for himself, so he has more incentive to try.

Insurance broker: nuances of work

Mainly insurance agents and insurance brokers they sell car insurance policies (CASCO and OSAGO), but in their arsenal there are many other insurance products relating to health, property, real estate, etc.

For some of them, the broker's sales commission can reach 40% of the price of concluded insurance contracts.

An auto insurance agent is a representative of the interests of a specific insurance company.

His functional responsibilities include:

• searching for clients;
• conducting negotiations with them;
• explanation of all conditions insurance policy, as well as procedures for paying compensation;
• conducting an expert inspection of the insurance object;
• sale of insurance policy;
• maintaining related documentation;
• contacting the client on the issue of payments in the event of an insured event.

The profession appeared in ancient times. At first, the practice of non-commercial property insurance was relevant. Subsequently, insurance acquired a commercial orientation and appeared in its modern form.

In the process of formation of this industry, many institutions began to appear that provide insurance services. Now you can see insurance institutions of both public and private types.

An insurance agent works for one company. Clients can sign up for an insurance contract only on the terms and conditions provided by a particular insurance company.

If a person likes the insurance conditions of several companies at once, it is better to contact an insurance broker.

An insurance broker, unlike an agent, can work with several companies at once. He knows the range of all insurance services and accompanies the client during the validity of the policy.

Unlike an insurance agent, a broker offers the most profitable terms insurance in different offices. Practice shows that brokers are better aware of the features insurance market than agents.

What do you need to know about insuring a country house? Read HERE about where and how best to insure your apartment. About the features of concluding property insurance contracts: http://strahovkunado.ru/dom/estate/dogovor-imushhestvo.html

How to become an insurance agent

The question of how to become an insurance agent at home will be of interest primarily to those who have a lot of free time, but do not have a permanent job. Insurance companies are ready to accept the following categories of applicants as agents:

In order to become a representative of an insurance company, you must pass special courses directly in this organization. Training is free. The standard duration of courses is one to two weeks, but in some cases they reach several months.

Some companies practice remote distance learning, through Skype conferences and webinars.

How to become an insurance agent for compulsory motor liability insurance and other types of insurance in various companies? An insurance agent's income is the percentage of sales that he receives for each policy issued to a client.

The question arises: is career growth possible for insurance agents? The majority of insurance companies determine career growth by increasing the amount of interest from the transaction paid to the insurance agent.

The agent himself may think: “I want to become an insurance broker. »

And, having accumulated 2-3 years of experience in this area, having built up a client base, the agent may well become an insurance broker for compulsory motor liability insurance and other types of insurance. Unlike an agent, an insurance broker, first of all, serves the client, selecting him best option insurance among a list of various insurance companies.

At the same time, the insurance broker selects those companies that maximally protect the risks required by the policy buyer.

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Use our franchise to open your own insurance agency in 20 days using a proven scheme.

Anyone who wants to work can become an insurance agent. To do this, it is enough to have a secondary education.

Having chosen a career at Ingosstrakh, you must clearly understand that this company needs agents who will move faster than the market.

What does it mean? This means that this particular company will both set high demands for you and provide ample opportunities. After all, by becoming an Ingosstrakh insurance agent, you will always be one step ahead of your competitors.

Among the priorities of such a vacancy, one should highlight prestige (the company is one of the leaders in the insurance market) and prospects.

By visiting the company’s website, you can leave a request, after which you will be contacted for further cooperation. You will then need to complete a three-month training course, which is designed in a modular manner, allowing you to focus on the areas of your choice.

Similar system training will help you maximize your professional potential.

After completing the training, you will enter into a cooperation agreement with the company.

It should be noted that clients are attached to the insurance agents of this particular company forever, which will speed up the creation of your personal client base.

This is the most stable company in the insurance market, one of the three most famous Russian insurers.

You can receive royalties for sales directly after registering on the company’s website and receiving an electronic work account. Having studied in detail the operating procedure of the company, you will be able to work successfully in it and create your own personal website to optimize your activities.

The work is remote, which does not limit you at all, transactions take place through “ Russian system auto insurance."

The procedure is pretty standard. All you have to do is call the company and sign up for training and an interview. Complete training courses, take tests and sign an agreement. The rest is up to you.

If you are a novice insurance agent, then you should pay attention to companies in which you will receive a certain rate plus interest. The activities of an insurance agent directly depend on sales, so it is profitable to receive good interest.

But at the start of your career, you should develop a client base, and without a rate you may be left without any income at all. Also pay attention to the fact that the insurance company is a leader in the services market, it has favorable commissions and acceptable terms of cooperation.

Most insurance companies train their staff. Your colleagues will explain the initial recommendations to you, and they will tell you in more detail during training.

Training can be presented in the form of courses, trainings, seminars, or be of a distance type. In the future, you should not forget that it is advisable to periodically improve your skills and undergo training to improve your skills.

If your candidacy suits the employer, he is obliged to sign an agency agreement with you. After the contract is signed, you will be given an insurer's identification, instructions for completing the documents you need, policy forms and a power of attorney, which gives you the right to sign them.

After training, get to work. It is necessary to successfully sell insurance products to receive compensation.

To do this, look for suitable clients. Pay attention to those familiar with cars and those who have chronic diseases.

Visit organizations and offer insurance services. Don't expect everything to happen quickly; skill will come with experience.

The work of an insurance agent requires composure and attentiveness. Plan your work, expand your client base, always complete everything on time. Show maximum patience and then the profession will reward you for your efforts with decent earnings.

Obtaining a license

The insurance law introduced two important innovations for brokers. First of all, this concerns the distinction with the agent’s profession, and the second is licensing brokerage activities.

Previously, a license was not required for this, but now certain difficulties have arisen in creating such organizations.

First of all, the requirements for personnel have become more stringent. The broker's responsibilities previously included reporting tax authorities and insurance companies.

Now its activities are controlled by the state, that is, by the insurance authority. In addition, before you begin to obtain a license, you need to register as an individual entrepreneur.

Qualities that an insurance agent should have

Stress resistance

This skill can be called key, since this profession often involves conflict situations. If you are an impulsive and nervous person, you will make a terrible insurance agent.

The task of an insurance agent is to attract as many more people to any type of insurance.

It's simple - the customer is always right. Even if he yelled at you when you came to take out an insurance policy or gave you unflattering words, he is right, and you should come later.

It is worth understanding that you need to value every client and the last boor should be an interesting and good-natured person for you.

Sociability

The ability to find answers to all questions and find common topics with people it will be useful everywhere. For an insurance agent, this is a necessary quality. The insurance agent is obliged not just to clearly tell the list of services, but to be able to interest the person.

How to master a profession

In order to master the profession of an auto insurance agent, you can move in several ways.

Can:

• Get a specialized education at a university. This option is suitable mainly for young professionals who are just starting their career and are deciding on a profession. The specialization “insurance business” is present in many universities in the faculties of economics or law. Professional education is not mandatory criterion when applying for a job.
• Develop theoretical knowledge by studying paid and free video courses and attending special trainings. It will not be difficult for determined and active people to find and obtain a theoretical knowledge base using Internet resources.
• “Coaching” directly from an insurance broker. Many insurance companies prefer to train young and promising employees, giving them the opportunity to practice with experienced colleagues. Mentorship and the opportunity to see professionals at work is undoubtedly one of the most effective methods mastering the profession of auto insurance agent.

Thus, you can learn the initial necessary skills of an auto insurance agent in just a few weeks.

Mostly women work as insurance brokers. It is desirable that the consultant has a pleasant voice and appearance, as well as good diction.

Specialists cooperate with various insurance companies. They enter into agreements with them, in which they indicate the amount of commission for their work, that is, a percentage of the transaction. You will learn how to become an insurance broker in this article.

Franchise work

Establishing an insurance company will be the most costly and time-consuming of all. possible options auto insurance. Since such activities are strictly regulated by special laws, first of all, the future owner of such an enterprise needs to study the existing legislative framework.

The first indispensable rule is the establishment of a legal entity. To do this, a new enterprise must be registered in the manner prescribed by law with the tax service.

The next mandatory step is obtaining the appropriate license, which is handled by the insurance market department. To obtain a license suitable for opening an auto insurance company, certain documents are submitted to the licensing authority.

It is also important that the licensee meets the following basic requirements:

• had work experience in insurance activities (including CASCO and OSAGO) of 2 years. In order to gain sufficient experience, it is recommended to begin activities in the field of auto insurance by opening an agency or working as an insurance broker;
• having access to a systematic system compulsory insurance;
  – valid membership in the national union of auto insurers.

In addition, when licensing, attention is paid to the presence of a minimum authorized capital, which must be fully paid at the time of registration.

Another important rule- to provide financial stability a car insurance company should have a wider range of services. Thus, OSAGO and CASCO should account for no more than 50% of its contributions from the total insurance portfolio.

Have you decided not only to find out how to become an insurance agent for several companies, but also plan to undergo training? Then it is better to get acquainted in advance with the peculiarities of working as an insurance agent.

There is a range of main responsibilities of this specialist:

• find out the needs of a potential client;
• provide assistance in selecting the necessary insurance product;
• calculation of policy options;
• informing about all conditions of insurance coverage and policy options;
• consultation on issues of obtaining compensation and payments in the event of insured events.

In addition, you need to not only become an auto insurance agent and serve clients who want to take out a policy, but also look for new clients, monitor existing contracts and promptly remind you of the need to renew policies.

Nothing complicated, the only important thing is to constantly replenish your portfolio of clients in order to increase your remuneration.

Like any other profession, the specialty of an agent has not only unconditional advantages, but also significant disadvantages.

So, the advantages of working as an insurance agent under MTPL:

• Flexible work schedule; this position can be combined with the main job if desired.
• Free education.
• Income is not limited. How much you earn is how much you will receive.
• Opportunity for increased career growth.

• Lack of stable income.
• Finding clients is a rather painstaking task.
• Irregular work schedule.
• Personal responsibility for the safety of documentation and funds.

Before choosing this profession, you should know what it takes to become an insurance broker?

Before you engage in this type of activity, you need to draw up a step-by-step business plan on how to become an insurance broker. First of all, you will need a computer and Internet access.

At first, you can do without an office. Registration of a legal entity is necessary to enter into contracts with various insurance companies.

To provide more services to your clients, try to establish partnerships with different companies.

To create own company and enter into direct contracts, you need to spend a lot of time and money. Government bodies They make high demands and take too long to make decisions, which is why many insurance brokers prefer to work on a franchise basis.

Among the advantages of this method are:

• Ready-made contracts with various insurance companies;
• Professional education
• Positive reputation;
• Large customer base;
• Legal support;
• Transparency of work.

Franchisees work with insurance companies that make full payments and also offer good discounts to their clients. If you approach your work wisely, you can make a good profit and count on long-term cooperation.

Insurance agents work for insurance companies and can have different specializations:

• personal insurance(life, health, various life events);
• property insurance;
• liability Insurance;
• business risk insurance.

Responsibilities of insurance agents

They are in many ways similar to the responsibilities of a sales manager, as they involve selling services. Job responsibilities insurance agent are:

• active sales (search for clients, telephone and personal negotiations, conclusion of contracts);
• maintaining the existing client base (renewal and expansion of insurance agreements);
• consultations on features various types insurance;
• maintaining document flow (contracts, invoices, acts, etc.);
• resolving issues regarding damage assessment and insurance payments;
• analysis of the causes of contract violations and taking measures to eliminate them.

The functions of an insurance agent may also include:

• Preparation statistical reporting- weekly, monthly, annual;
• collection of insurance payments.

Insurance agent salary

Since you dream of becoming an insurance agent at Rosgosstrakh not for charitable purposes, the question of the amount of payment for such activities is important. After completion of training and conclusion employment contract, the agent is left to his own devices and must search for and develop his own client base.

In most insurance companies, insurance agents do not have a fixed (guaranteed) salary. That is wage consists entirely of interest from completed contracts. As a rule, this is up to 20% commission from the total amount of concluded contracts.

The salary of an auto insurer can be generated from the sale of compulsory insurance policies, which are called OSAGO, or from the sale of more extended policies - CASCO. Selling CASCO insurance with the inclusion of additional risks is much more difficult, but at the same time the earnings from them are much higher.

Thus, the more clients an agent has, the higher the salary. At the start of a career, it’s about 10-15 thousand rubles, with the development of a base and experience – up to 100,000 rubles.

An insurance agent's salary depends entirely on his hard work and activity. On average, an insurance agent receives 10-20% of transactions.

Actively working newcomers have at least 18 thousand rubles. per month. Insurance agents with extensive experience up to 50 thousand rubles. Some insurance agents with a very large client base have an income of 200 thousand rubles.

When starting to work as an insurance agent, you need to keep in mind that at first it will be very difficult to find clients. And this will definitely affect your salary.

Clients are money and they will not go into your hands. If you sit still, you won’t even earn a ruble.

It’s also worth understanding that not all people want insurance. You will have to put in a lot of effort and spend a lot of nerves to get your first salary. But over time, it will be easier to find new clients, and wages will increase.

The salary of an insurance agent depends on the amount of the agent's commission on concluded transactions, which ranges from 10 to 30%. The average monthly income of a beginner is 20 thousand rubles.

A successful insurance agent earns about 60-70 thousand rubles per month. Moreover, his maximum monthly income can reach up to 300 thousand rubles.

Activities

Insurance companies offer their clients various programs. The types of insurance brokers, accordingly, are also different. Professionals must be able to analyze competently possible risks. Only then can they offer the client a suitable package.

Several companies can be involved to conclude a contract. Thanks to this, brokers stimulate competition in the insurance market.

Their work includes:

• Protecting the client’s interests in the event of a dispute with the insurer;
• Consultation on services;
• Negotiations on terms insurance compensation;
• Preparation of contracts and settlement of losses;
• Providing guarantees.

If you decide to become an auto insurance broker, you need to learn how to choose the best options for your clients among the many types of insurance.

Different companies have different views on prices and conditions of insurance, so a specialist must be competent in any issues related to this area.

For example, some insurers offer more attractive conditions for premium cars, since owners treat them more carefully. Other companies consider it a priority to insure budget foreign cars, as well as cars domestic production, since their repair is much cheaper.

There are many options, so true professionals must be able to quickly navigate different situations.

Let's sum it up

The insurance market is diverse, so everyone can easily find a place for themselves in it. Now that you know how to become an insurance broker, you can start realizing your dream. Moreover, if you are interested in the question,

Detailed instructions you can find on our website.

At first glance, it may seem that there is too much competition in this area. In fact, finding real professionals is not so easy. If you do not stop there, over time you will be able to achieve the best results and make a career for yourself.

One of the most frequently asked questions, which they write to us in the comments or by email, is “on compulsory motor liability insurance and other insurance products?”, referring to the activities of an insurance agent.

So today we will figure it out:

• how to become an agent from one or a broker from several insurance companies,
• who can become an insurance agent and who can become an insurance broker,
• how to become an insurance agent for car insurance (MTPL, CASCO),
• how much can you earn from this?

First things first...

Here are 9 steps on how to become an agent or broker

1. Select one or more insurance companies you want to work with,
2. Contact insurance companies. You can call them or come to Main office. You will be scheduled for an interview and given a list of documents to submit to the security service,
3. Provide copies of your passport, SNILS, special candidate questionnaire and other documents required by the company,
4. Prepare information about yourself, your experience in insurance, your existing customer base and your other advantages as a partner. The insurance company will evaluate how suitable you are for it,
5. Carefully fill out the application form for a candidate for insurance agents (brokers), you will be assessed on it, and the security service will also check the information you provide,
6. Wait for the interview time. Show your best side! Be prepared for questions about your experience!
7. If you passed the interview, if the security service allowed you to work, wait for the preparation of an agreement stating that you are now an insurance agent of this company,
8. Follow these steps for each insurance company you want to work with.
9. You can start your activities!
10. It will be useful to learn how to find clients and sales technologies. Typically, this is not taught by insurance companies. It is understood that if you want to become an agent or broker, then you have many clients, and you also know how to effectively sell insurance.

How to become an insurance broker or insurance agent through franchising

Is it possible to shorten the steps and make everything simpler? Yes, I have ready-made solution! You can open a ready-made insurance business under a franchise!

A franchise is the transfer of a ready-made and established business model, as well as assistance in its implementation, management of this business and the right to use a well-known brand. In other words, instead of trying to figure out what works and how, wasting time and losing profits, you can use a ready-made highly profitable business and start earning good money in the shortest possible time.

You can take advantage of car insurance and open your own insurance business using an already proven business model. Let's figure out what a franchise is.

Details can be found by leaving a request:

Is there any prospect of being an insurance agent or broker?

It is worth noting that quite a lot of people are wondering how to become an agent of an insurance company, but, unfortunately, there are not many experienced specialists who can talk in clear language about the pitfalls and important nuances of the activities of insurance agents and its prospects. Learn how to become a good, successful or even better insurance agent!

As Oleg Sysuev, First Deputy Chairman of the Board of Directors of Alfa-Insurance OJSC, explained in his latest interview: “Working as an agent today is one of the most promising areas of small business in Russia. The insurance market will develop, and all market participants, including insurance company agents, will find a worthy place in it.”

Let’s just add that you can be an insurance agent at home, that is, work from home! Or combine it with other work or study.

Earnings of insurance agents and insurance brokers

Let's take a look at how much insurance agents and brokers earn. On average, representatives of insurance companies earn 100% from one OSAGO policy, 25% from one CASCO policy, 35% from property and health insurance policies. Is this a lot or a little?

For example, you bought a CASCO policy for 50,000 rubles, respectively, your earnings will be 12,500 rubles (50 tr * 25% = 12.5 tr). If you bought property insurance for 50,000 rubles, then you earned 17,500 rubles. Agree, this can be a good income! And these are far from the most expensive insurance products that individuals and especially companies buy.

Who can be an insurance agent or insurance broker?

Anyone can become an agent individual over 18 years old. A higher or specialized education is not necessary for this. To be an insurance broker, in accordance with the law, you must have a brokerage license. Therefore, following practical experience, it is easier to have several contracts with insurance companies and from several insurers.

Auto insurance and other insurance agent

But it’s not enough to just say to yourself: “I want to be an insurance agent.” It is necessary to clearly and specifically define the path of your professional growth.

Before becoming an insurance agent or broker, decide: do you want to become an insurance agent for compulsory motor vehicle insurance (auto insurance) and not sell other types? If so, then it is worth concluding agency agreements With the best companies on auto insurance. Why? By becoming an MTPL insurance agent, you will be able to provide a choice of the best insurance companies, for example, working as a broker, and this will be convenient for your clients! If you decide to be a life insurance agent, then similarly, your clients will love a professional in a narrow segment. Nobody likes amateurs - “know-it-alls”.

How to become an agent of an insurance company under MTPL? The procedure is similar standard procedure- see the beginning of the article.

Rosgosstrakh and other companies for an insurance agent

In addition to the above, decide for yourself: Do you want to become an agent of RosGosStrakh (RGS), RESO Guarantees, VSK, Soglasiya, Sogaz, Alfastrakhovaniye, Ingosstrakh and/or other insurance companies, that is, to be a universal insurance broker? Or take out policies only from one or two partner companies, being an agent?

Simple principle: sell 1-2 types of insurance from all insurance companies OR sell all types of insurance from 1-2 insurers. You can, of course, sell all types of insurance in all insurance companies (and many do this because it is profitable), but this approach has its own tricks and laws.

Want to learn more about the insurance business?

Sign up and become a million-dollar agent!

Questions about becoming an insurance broker or insurance agent? Ask them in the comments below!

Franchise

Do you want to get a ready-made insurance business? will help you open an insurance company from scratch in 30 days!

The profession of an insurance agent is very prestigious in large cities.

An agent is a person who acts on behalf of a particular company and enters into insurance contracts.

Now you can meet great amount vacancies with quite decent wages. Is being an insurance agent really such a prestigious profession?

Insurance agent- connecting link large company and people who want to make their lives safer. The insurance agent is obliged to find out the client’s wishes, tell him about possible insurance conditions, current tariffs and compensation payments.

After these steps, an insurance contract is concluded on the most favorable terms for the client.

This profession has certain requirements for candidates. Fits sociable and goal-oriented people. Anyone who has reached the age of majority can become an insurance agent.

Responsibilities of insurance agents

1. Search for clients. Insurance agent on one's own is looking for clients who will use its services. It is very difficult to develop a base at first and will require a lot of effort. Directly depends on the number of clients salary amount.
2. Conclusion of contracts. An insurance agent must be able to conclude contracts for each type of insurance. This specialist also renegotiates contracts. Carries financial liability.
3. Damage assessment. Often companies allocate a position special employees, which assess material damage. However, every insurance agent must be able to do this on their own.
4. Accounting and security of documents. The insurance agent is fully responsible for storage of insurance policies and contributions.
5. Advertising of services. Insurance agents must make active advertising of its services to the population. Attracting new clients is prerequisite work of an insurance agent.

The main and main task of an insurance agent is Attraction of new clients.

Processing insurance policies and premiums is an agent’s daily job. Finding new clients largely depends on professionalism specialist

In order to develop a certain client base, you need to have skills that every insurance agent should have. An insurance agent has responsibilities that are fairly simple to perform, but not everyone can do it.

Qualities that an insurance agent should have

Stress resistance

This skill can be called key, since this profession often involves conflict situations. If you are an impulsive and nervous person, you will make a terrible insurance agent.

The task of an insurance agent is to attract as many people as possible to any type of insurance.

It's simple - the customer is always right. Even if he yelled at you when you came to take out an insurance policy or gave you unflattering words, he is right, and you should come later.

It is worth understanding that you need to value every client and the last boor should be an interesting and good-natured person for you.

Sociability

The ability to find answers to all questions and find common themes with people will be useful everywhere. For an insurance agent, this is a necessary quality. The insurance agent is obliged not just to clearly tell the list of services, but to be able to interest the person.

Why insure a refrigerator or food processor? You must explain that manufacturers have stopped monitoring the quality of the product, and you will help correct the situation - even if something breaks, the person will be able to buy a new device without loss. Or remind us of thieves who will not disdain even a refrigerator.

Hard work

You won’t be able to sit and do nothing with such a profession. Every minute you have to think about where to find new clients. And after smart thoughts come to you, go ahead and implement your ideas. Insurance agent - quite active work, which will not allow you to sit still. Irregular working hours involve providing insurance services both during the day and in the evening.

Resourcefulness

Insurance agents who sit at points and issue comprehensive insurance know that the worst thing about professional activity- make rounds in the private sector.

Every insurance agent who visited the houses of “nervous and embittered” people at least a couple of times doubted that he had chosen the right education. Not every insurance agent will be hired to work at a certain “point”, and even if they are hired, this does not mean that there will be an influx of clients.

So why is working in the private sector so scary? Just imagine, you had a fight with your husband, the dinner burned and the child broke a vase, and then an insurance agent came: “Come on, I’ll insure you for all occasions.”

Usually, in this case, the agent is asked to leave and refuses services, but there are other options - tell him everything you think about such “beggars”, swear, etc.

The second and most terrible thing that can meet you during your “detour” are dogs, of which there are a lot in private sectors. And don’t try to do anything to them - maybe they’ve already been insured! Any harm caused to these “harmless” animals, even if they try to bite you, will result in a fine.

Good memory

An insurance agent is required to remember all types of insurance and offer them to his clients. In addition, it is worth remembering the characteristics of certain people. If a person does not have a car, it makes no sense to offer him comprehensive insurance.

Presentable appearance

Regardless of gender, an insurance agent must inspire confidence. To do this, you will need to devote a lot of time to your appearance and be neat and well-groomed.

History of the profession and the main difference between an agent and a broker

The profession appeared in ancient times. At first, the practice of non-commercial property insurance was relevant. Subsequently, insurance acquired a commercial orientation and appeared in its modern form.

In the process of formation of this industry, many institutions began to appear that provide insurance services. Now you can see insurance institutions of both public and private types.

Insurance agent working per company. Clients can sign up for an insurance contract only on the terms and conditions provided by a particular insurance company.

If a person likes the insurance conditions of several companies at once, it is better to contact insurance broker.

An insurance broker, unlike an agent, can work immediately with several companies. He knows the range of all insurance services and accompanies the client during the validity of the policy.

Unlike an insurance agent, a broker offers the most favorable insurance conditions in different offices. Practice shows that brokers better informed about the features of the insurance market than agents.

How to become an insurance agent

Anyone who wants to work can become an insurance agent. For this it is enough to have secondary education.

Many insurance companies conduct their own training for employees. A person of any age can achieve success in this profession, the main thing is focus and desire to work.

Some vocational schools provide training to become insurance agents. You can also take special courses.

If you don’t have time to study theory, you can safely contact an employer who will provide you with quality training in practice.

An insurance agent is a profession that provides career growth and high wages. It all depends on the person and his desire to work.

Insurance agent salary

An insurance agent's salary depends entirely on his hard work and activity. On average, an insurance agent has 10-20% of transactions.

Actively working newcomers have at least 18 thousand rubles. per month. Insurance agents with extensive experience up to 50 thousand rubles. Some insurance agents with a very large client base have an income of 200 thousand rubles.

When starting to work as an insurance agent, you need to keep in mind that at first there will be very difficult to find clients. And this will definitely affect your salary.

Clients are money and they will not go into your hands. If you sit still, you won’t even earn a ruble.

It’s also worth understanding that not all people want insurance. You will have to put in a lot of effort and spend a lot of nerves to get your first salary. But over time, it will be easier to find new clients, and wages will increase.

The profession of an insurance agent, like any other, has its advantages and disadvantages. This specialty will allow you to quickly improve your financial situation and move up your career ladder, but not everyone will be able to achieve such success. If you don't know how to work with people, no other professional skills will help you find clients.